Ge Money Bank / Care CreditCheating, lying swindlers!

N
This review was posted by
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Verified customer

Good God! I thought I was the only one that had a horrible experience with these ###. It's like this. I signed up for Care Credit to pay for some medical bills I had. I arranged to pay my bill online, as this was the simplest way of keeping track of everything. Two months in, my bank account info was stolen, which forced me to close out the account I signed up for with Care Credit. No problem, they said. Just give us your new info when you get it, and all will be right with the world. Great, I thought, a credit card company that actually cares about their clients.

Ha. After reestablishing my bank account, I submitted my new info to the Care Credit website, and, away we go. Not so fast there, ace. According to them, my bank account info was wrong, they couldn't get payment. Not so bad, I hadn't used up all my credit, so they just added to my balance so they could collect more interest. This was in spite of the fact I was looking at my online statement while speaking to the CSR and it clearly showed that I made payment on the due date. It took them a WEEK to determine that my bank info was wrong. Ok fine, simple mistake, these things happen.

But wait. The next month, it happened again. Then again, then AGAIN. For some reason they stopped sending me bills through the mail, even though I never asked them too. I spoke to a customer service representative that will most likely never achieve the final stage of nirvana with the attitude she had, and in her broken and heavily accented Indian-ish that they could not take the money out of my account due to a transaction error. In an effort to expedite the situation, I stupidly gave them my checking numbers over the phone (which I may add, sounded a smidge more advanced than two tin cans and length of string), and hoped that would be the final, ultimate end to this nightmare. Again, not so fast there.

Long story short, the CSR entered in my bank info wrong, and I got charged for their mistakes. When I finally got the correct number to call to speak to someone about my plight, I got a relatively nice person that calmly explained that in spite of the terrible customer service I received, in spite of the mistakes THEIR OWN EMPLOYEES MADE, in spite of the fact that I had made every reasonable effort to pay this bill on time with the correct funds, they couldn't correct the situation, and that the $145 dollar a month finance charges I had to pay were mine to deal with. Due to late fees, charges and whathaveyou, I now pay an APR of 30%, my credit is wrecked and there is not a damn thing I can do about it. I understand that they have a business to run, but a simple online check to verify the correct account information on their end would have saved me almost $700 in banking fees.

I have never had to deal with such deceitful, underhanded business practices. Rest assured that I will never have anything to do with this company ever again, and will recommend that no one else do business with them as well. If anyone is getting together a class action, count me in!

Responses

  • Do
    Douglas Radcliffe Jan 30, 2008
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    Ge Care credit are indeed swindlers for the record books. They issued a credit card in my name to my ex-wife. They have the records to prove it. Rachel Barker, 1800-268-9131 makes my list of all time ### that work for GE Fraud. She sent half the information tho the officer in charge of the case in my home town and refuses to send the rest. The charges were signed by my ex-wife with a secondary signature that was a very poor and misspelled signature that was supposed to be mine. She can see it with her own eyes and still sent it to collections.

    When confronted about this she pushed responsibility on me, refused to send the rest of the information to the officer. I tried to explain to her that the only way GE would get its money was to help by being forthcoming with the information. She said she did not care if GE got their money, that was my problem. Then told me that she would continue to report me as delinquent on my credit report until I paid it.

    It is obvious fraud and GE is complicitious to it.

    I too called numerous times to get satisfaction and was treated very rudely. I was told that if I persisted, they would call the police for harassment. I told them to go ahead, I was in the police department all day already because of this stuff.

    I gotta go call again, I have givin the manager 10 minutes to call me back and still no love.

    Hey, wanna help? why don't you call too? Rachel Barker 1 800 268-9131

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  • Av
    A very disruntled Credit Holder Apr 04, 2008
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    Class Action suit? How do i recover 1300.00 in finances charges that I payed as asked from a Reprentative at the company. I called regarding charges being applied for $1300.00 in one month time a a deferred payment CARE CREDIT program. As soon as I opened the statement seeing the Finance Charges I called and was told to pay the balance of that Deferrment and would be credited with the finance charges. I did that immediately online. I then receive a letter from an ESCALATED SPECIALIST at the GE MONEY that they will not reverse the finance charges since I missed the Expiration DAte. Well on my statement it was showing that my date was 3 weeks out from the Finance Charge Date and there was no grace period. SCAMMERS FOR THEIR FINANCE CHARGES - This program will get you when ou have medical bills. I have called and asked to go to a higher level..I was told i was at that level and that i should re read my statements clearly. Very unfair - I paid my amount in full within 12 days of the expiration.

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  • Ma
    Mare Apr 11, 2008
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    I had the same problem with GE. I payed the card off before the deferred interest would apply and they charged me over 900.00 and said the payment did not make it in time. I tried speaking to several people and had the receipt the day it was paid but to no avail. I ended up writing the dispute Dept of our newspaper here in Fl and suddenly the problem was resolved. They miraculously realized the mistake and bought us back to a 0 balance...I would suggest call your local news area that handles scammers. It worked for me!

    0 Votes
  • Wa
    waleah Apr 13, 2008
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    I was in the process of divorce and relocating when I found a dentist in Wheeling WV. I was asked to complete applications for Care Credit, “just to see if I could get any financing.“ I had absolutely no idea at which point I had allegedly authorized a credit line because the dental office had all the wrong information and gave me two different accts with two different names addresses and acct numbers. At the time services were rendered, not one person spoke with me about Care Credit except to have me sign authorization to not accept the credit and pay as I go. I was never asked to provide consent to services and my appointments were rescheduled around the dentist vacations to Florida.

    Obviously a meeting with the dental office's billing clerk was clearly called for…

    (1) I asked the dental office for help after I got their itemized bill and saw Care Credit card payment credit for 5/14/2007
    (2) I was told to go online but the acct, address and names did not give me the proper combination to access information.
    (3) telephone conversation directly with a Care Credit was not possible without the correct combination either…I asked the dental office for help…for evidence of any kind . The dental office shred one of the credit cards and told me which account had been billed.
    (4) I still had no success in making contact-
    (5) I asked the dental office to have Care Credit call me to discuss…
    (6) Dental office informed me the account was turned over for collection and they
    provided a phone number to call.
    (7) I was told the “debt” was due and collectable, since February, and I got a lecture.

    Never once was there a discussion regarding Credit Care authorization or of the “approved amount” being utilized. I was attempting to provide my current address and clear up any confusion. I am elderly and living on a very limited income. The dentist and his staff certainly have given me cause for concern. I am suspicious of the dentist, his staff, Care Credit and the “debt collection people”. I have never seen the bill the “debt collection people” promised and they threatened several courses of action against me. My dentist office has their money. I have never seen the alleged bill, they did not have the correct name or address. The dental account history was mailed to my home 12/27/2007. Why did they not have my correct address in February, I provided it. The dental office cashed my personal checks with my address on it

    If someone else is out there has a similar experience, please let me know.

    Thank you...

    0 Votes
  • Br
    Brooke May 30, 2008
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    OK EVERYBODY...I too am a burned customer of GE Money Bank / Care Credit and have been researching people's problems online. There are literally thousands of examples of their disgusting attempts to steal from the consumer. The Better Business Bureau helped me a little but not enough to show this company that what they do to us is WRONG.

    So I propose this... Contact the State of Ohio's Attorney Generals Office and let them know that we will not stand for this.


    The phone number is 1 - 614 - 466 - 8831

    The more people who call, the stronger our voice!

    0 Votes
  • An
    Angela Kent Jul 16, 2008
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    I am all for a class action lawsuit. GE Money Bank / Care Credit is the biggest scam around. I have been paying on this card since the beginning of 2005 and my credit limit was 4500.00 now in Jouly of 2008 balance is 3600.00. How is that even possible? Over three years have passed and my balance does not go down. Well, it is due to their finance charges and other bull crap they pull. I was in a desparate situation and had to have major dental work and this company took advantage of that situation. If I could not pay this card I would gladly do it, but it is in my mothers name too and I can't ruin her credit. I will NEVER do business with this fraudulent company again. I am going to contact the Better Business Bureau in Arizona to see what I can do to stop this from happening to more innocent people in desparate situations.

    0 Votes
  • De
    Dennis Jul 23, 2008
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    So I have only had this card for 2 months. I needed to get some dental work done, and I don't have insurance. Anyway, I sent the first payment it six days before it was due. It shouldn't take that long to get there. They posted it to my account 2 days late, and charged me a late fee. BUT, they credited to my account on a Sunday. There is no mail on Sunday, so they had it at least one day sooner. And if they had it two days sooner, then it was on time! I tried to call them, but I cannot find any way to reach them after hours. All operators were busy when I tried to call before work. And there is nothing on their website that I can find with an email address or a place to send comments. I don't believe I should be charged for this. And as soon as I pay this off next month, I am canceling it.

    And while we're on the subject, avoid Best Buy's Reward Zone Mastercard. Their payment center is less than 10 miles from here. It usually gets there in 2 days. I sent it three days early. That was a week ago. They still haven't got my payment. AND, I paid online (a second payment) to avoid a late fee. That was on the 16th, and as of today (the 22nd), neither payment is posted to my account. I bet I'll get a late fee after all. Oh, they lied to me when I signed up, too. They said (and circled on a paper) NO ANNUAL FEE. When I got the bill, they charged me one. I had to fight them and threaten to cancel it to get it taken off. Just thought I'd warn anyone thinking of signing up.

    0 Votes
  • St
    Stan Jul 23, 2008
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    I originally got involved with Care Credit/GE Money when our son had some medical problems. The cost was more than he could afford and the doctors office really pushed using Care Credit. So we signed up. I had to be the main name on the account as my son did not have much of any credit rating yet. It has been one problem after another with them ever since! My son goofed up once and was a few days late with a payment. They called me at 2:00 am on a Sunday morning to tell me they needed their payment immediately. I could barely understand the person calling due to such a thick accent too. I told them I would check sith my son and get things settled as soon as I could. The caller told me he had to have the money by the end of the day the following day or they would send me a bill for the entire amount of the account! I told him there was no reason to start with the threats to which he said "This is only the beginning if you do not pay on this account"! Right after that they sent a message in to whomever to place a black mark on my credit rating! I cannot believe how quickly these folks get nasty. Money hungry non-caring all the way. I wish I had read the warnings and notes above prior to signing up with them. They are a total nightmare to deal with! If you have ANY other options, DO NOT sign up for anything with this company!!!

    0 Votes
  • Ro
    Robyn Aug 04, 2008
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    This company is truely running a scam. They know exactly what they are doing. I have a similar if not identicle story as all those before me. I have never had a late payment in my life, but the way they set the billing cycle up, you are bound to accrue late charges. My payments were set up on auto bill pay from my bank in accordance to the information provided to me from GE Money Bank. But for some reason, my payments were posting with them just 1-2 days past the due date and a $45 late fee was assessed. When I called to work it out (three times), they have a scripted response that clearly reflects they are trained to cover-up their fraudulent practices. There is no customer service...same story, they are rude and condesending. I had a feeling I would find more people out there with similar stories. It is wrong. They are a usery company with usery lending practices. I feel strongly that there should be a class action lawsuit for our losses. If anyone knows of any legal class actions in the works, or complaints in the State of Florida, please count me in. In the mean time, I will contact our Attorney General's Office and the BBB to see if there's anymore that can be done to level the playing field with this company!

    0 Votes
  • Ar
    Arsh Aug 05, 2008
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    File a complaint with your State Attorney General's Office.

    Also here is the website for the Consumer fraud lawyer, if we all did this, maybe we can get a class action lawsuit against GE Money Bank Care Credit:

    http://www.aconsumerfraudlawyer.com/html/credit.html

    Here is link to some of the people who works for GE you can call:

    http://www.genewscenter.com/contacts/default.asp?NewsareaID=30&Title=Press%20Contacts
    http://www.genewscenter.com/contacts/default.asp?NewsareaID=112&Title=Specialized%20Contacts

    0 Votes
  • Ar
    Arsh Aug 05, 2008
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    I was told that this the address for the Corporate Office for GE Money:

    2995 Redhill Avenue, Costa Mesa, CA 92626

    Phone: 800-300-3046

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  • Pa
    pamela Grossman Aug 23, 2008
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    I needed dental work and got the credit for $2, 500 through them. I tried to pay it off quickly, paying a lot over the minimum amt. required, about $200.00 a month. If you notice, even when the date comes up that the interest will accrue, they still only ask for a minimum payment of $15 or so. My bank merged with another bank the date that my last payment of $20 was due, which would finish my balance. The bank had problems and the payment didn't get there until July 15 instead of july 5. I got a letter from the bank and wrote to ExtraCare along with all of my past bank statement, they refused to honor my request to keep the balance at zero and now I am supposed to pay $625.00 in interests fees. I'm going through a divorce, am a single mother, I told them this, the customer service people were very rude, they told me they couldn't remedy this situation. I will try everything I can to get these people in trouble.
    Pam Grossman
    [email protected]

    0 Votes
  • Ju
    jules Aug 29, 2008
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    I've had similar treatment, and they are definitely lying scammers. It's sad that so many in the medical profession think they're offering their patients a "service."
    I would love to be in on a class action suit. If anyone pursues this, count me in!

    0 Votes
  • An
    ana Aug 30, 2008
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    hello everyone - and yes i have similar problems, just closed the GE Money Care Credit account and paid extra $340.00
    that was not disputed as promissed to me if i pay the full amount og the borrowed money for my surgery - I tried to contact a supervisor who promised this arrangement to me - Mr. Kelvin Judkins, Kettiring Office in Ohio, no luck!
    All other ruthless supervisors were trying to convince me that nothing was on my record that states the disputment of my extra charges.
    So much waste of energy - i just paid it and closed my account - but i woudl like to do more than that and help other not to repeat the mistake i had in dealing with them.
    This type of unprofessional attitude i never experianced in dealing with banks and credit card companies - specially if it wasn't my mistake - i was away for 2 months and my automatic payment for minimum amount just didn't go through and GE stated i should deal with my bank - but nothing was wrong with my bank - we just went bank and forth - but the point was that i was promissed a dispute of all extra charges if i pay yhe full amount of borrowed money and i could never prove it - the worst was a supervisor named Kim - actually they all sounded like they went to the same schooling how to be ruthless to their customers...

    I would appreciate collaborating with others on the potential lawsuit against this company that probably has the most of the complaints of all.

    Thank you and be safe and get rid of the GE Money account!
    with best regards
    Ana

    0 Votes
  • Mi
    Mike Adkins Sep 17, 2008
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    I too am a customer(?) of GEMoney Grabber
    I had suspected these crooks of holding my checks until AFTER the due date before cashing to make a little extra in the form of "late charges" SO then the brilliant(?) idea of paying online seemed worthwhile, so
    like everyone else who still has to work for a living--pickup paycheck on Friday, stop at bank & deposit same, go home, eat, pull out bills, checkbook, & fire up the computer and hope the bottom line balances. So shortly after midnight sept 5/6, I wrote checks to creditors with whom I have not established an online account, the to the computer--Sears, Home Depot, Lowe's, Shell, BP, and then
    my newly established Care(less) Credit. A little research on Tuesday showed that everyone except GE had successfully received their money on Monday 8 Sept. Checking the GE MoneyBank web site showed that these crooks had presented the payment on Sunday!
    Of course they weren't paid, THE BANK WAS CLOSED. There was plenty of money in the bank to cover before the the deposit but the doors were locked--resulting in a $39 returned check charge. Looking back to the web site the words 'payments submitted after 6:00 or on the weekend will be processed on the next business day'. . . In this case Monday for most of us--but no them. In speaking with 'WILL' he stated "No, the next business day after Saturday for us is Sunday,
    What would you like me to do for you?" I replied that returning the $39 would be the least I would expect, which he assured me he could and would do. Wonder how much unearned income like this has made it into GE's coffers????????

    0 Votes
  • Aj
    AJ Oct 06, 2008
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    a verified customer
    Verified customer

    I don't know where or why you people are saying these things, and if they truly are happening to you then I apologise on their behalves, but I have not once had a problem with GE, or CareCredit in general. Actually, quite the opposite. There were there when I needed something done about my vision and for eyeglasses, as I am unable to see much at all without a pair. Since then I have not had a single problem making monthly payments, and I haven't been cheated or swindled in the slightest.

    Perhaps it was simply the way you handle yourselves as far as customer service is concerned. I know there are bad support representatives and you might get connected to them sometimes, but as an ex-representative of another company (I decline to say in the event I'm not supposed to), I will tell you this. We got some customers that were extremely horrific to try and deal with. The phone-line and what transpires on it goes both ways.

    0 Votes
  • Lo
    Lori Day Oct 16, 2008
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    a verified customer
    Verified customer

    So a collection agency calls to collect for an account I have never heard off, a JC Penny credit card. I tried explaining so i have never held that card, or made any charges other than on my regular JC Penny store card. It took five registered letters of explanation to return to the starting point, zero.

    So I called JC Penny, they gave me the address of GE money Bank, the issuer of the card, stating that they can provide me with details. GE Bank states that they sold the account to the collection agency, and the collection agency states that if I want to dispute the charges i have to do through GE bank. After several letters to GE bank I returned tot he starting point, another zero.

    This came about in the worst time when I needed to borrow money, so it smeared my credit report and lowered my rating. The lender will not give me the loan unless I resolve this issue. It is the only negative entry on my credit report. As for my JC Penny Store Card (not JCP Credit Card), it is up to date, never even been late once.

    This is truly disheartening. It has been 9 months since I learned about the problem, and still getting the run around form JC Penny, GE Money bank, and the collection agency. My only option is to get a lawyer which will cost me $500, that is about the same amount they are asking for.

    My friends say that I should pay, because it will get the issue resolved, while I will have no guarantee the $500 to the lawyer will resolve it. I have a moral issue with that. Even if I pay and continue with the dispute process, that will complicate the issue. Advice is appreciated.

    0 Votes
  • Ra
    RACHEL NUNEZ Oct 31, 2008
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    Verified customer

    Carecredit is a total scam ...I owe too much top payoff right away or I would. The keep charging me late fees everymonth and I am set up for auto pay. Yet everymonth I am charged 39.00 and then they raised my promo rate from 16.99 (what promo rate is that anyway) to 22.98% I never agreed to that interest rate in the first place. When I did my cosmetic procedure, I agreed to pay back x amount of monies within a certain timeframe at 0% it was never 0% when I called they said I had to talk to the merchant. WHAT???? I asked them to show me anything that I signed agreeing to 16.9% and then to 22.98% ...they couldnt do so they said I had to talk to the merchant. When I called and talked to the "manager" she told me that she was not the one to rack up the credit line so wjy is it her fault that I have to pay 22.9% RUDE PEOPLE DISHONEST CROOKS!!! DO NOT USE CARE CREDIT!!! THEY ARE LIARS AND CHEATS!!!

    0 Votes
  • Vn
    Vnn Nov 12, 2008

    I too was scmmed.. I had surgery doen, and teh doc said there was NO finance cahrge ( 0 interest) for the $3000 thru cared credit..I'd jutd make the payments until the $300 was paid off. i was down to about $300..They jsut tacked $687 "finance cahrge..thats ocver 200% on what I owed!!
    Theys aid the "promotional rate was over."!! I had ealier wanted to pay it all of, , but they discouraged me, saying " Youhave about $2700 in available credit that yiou can use somewhere else"
    i NEEd a class action lawyer, , also thibking of suing the doctor..maybe small claims court.

    0 Votes
  • Kt
    K TH Dec 29, 2008

    I just found out that I missed my cutoff date for paying off my deferred interests on my GE care credit debt by about 13 day's. I found this out when I received an email alert from my credit report monitoring service which stated that my credit score was lowered by 8 points based on a reported $900.00 increase of my GE credit card balance.

    So here's the deal, I'm in the military stationed overseas in a combat zone, the online statements I received stated that my deferred interest period was over on "12/08", which I interpreted to mean as the end of December, however, it appears that it meant it was over on December the 8th, 2008. So, not only is my credit score down by 8 points, but my balance is now up by $900.00 eventhough I've been making automatic monthly payments against the principal since June of last year.

    Here's what I'm going to do, I sent the payment in full the other day, minus the jacked up deferred interest amount of $900.00. I'm going to call and tell them I want them to close my account, report a zero balance to the credit score monitoring companies and submit a report to the credit bureaus stating that my interest increase of $900.00 was a mistake on thier part.

    If I run into any of the same problems I've read about here, I'm going to tell them that my letters to the head of GE, the Senate and House Armed Services and Financial and Consumer affairs committee's, as well as to my congressman and senators is on the way from the combat zone, courtesy copy to Stars and Stripes so everyone that's fighting will know they're into ripping off soldiers.

    0 Votes
  • Do
    doug boyd Feb 23, 2009

    RIPPED OFF I got an estimate for dental work ; they {dentist] said they would check my credit with this care group.I went with another dentist . For the last3 months GE bank has billed me over 3000.00 every month and called me at least 1-2 times a week for those 3 months. I received 0 services I did notice my interest has gone to 37% on owed moneis HA HA HA |

    0 Votes
  • Kj
    kjoyn Feb 28, 2009

    I have made my payments consistently on time and because it was not made before 5pm on the due date they enter if for the next day and add on a $39.00 late fee. How is this legal, I am so sick of these greedy banks and credit card companies when is something going to be done to protect the customer against their death by fees!!!

    0 Votes
  • Dp
    DPGirl Mar 19, 2009
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    a verified customer
    Verified customer

    Worst Customer Service I have ever dealt with. Do not use these people. Borrow the money from you Credit Union or whatever, they have very "Fuzzy Math"!

    0 Votes
  • Jr
    jrhall22 Apr 15, 2009

    My credit limit has been reduced twice since January with Care Credit (GE Money). I took they line of credit in order to have Lasik surgery and have been making timely payments ever since. Despite my timely payments, however, they reduced my credit limit back in January when the layoffs reached the all time high and the economy was going haywire. Shortly after that, my wife got laid off from her job. When I asked them why they did this to us, especially since we were being good debtors and making our payments on time, they told us they determined their decision based on a consumer report. I couldn't believe that they were judging me based on past credit incidents AFTER they approved me for credit and I had already made a solid 2 years of good payment history with them. But they wouldn't budge, so I gritted and beared it. Just recently (beginnning of April) I was checking my credit report, because we're trying to get approved to buy the home we're currently renting, and I saw that they did it again with no warning. They decreased my limit so much this time that I was $900 OVER the limit AND they reported me as deliquent to the credit angencies and slapped a major "ding" on any chances I had of getting qualified to buy my home. If I would had known about this ahead of time, I would have been able to prevent it by paying the acct off with what I had left in my savings, but now I owe an extra $900 to them, plus fees.

    0 Votes
  • Ro
    Rosland McFadden Apr 15, 2009

    I to have an issue with GE Money Bank. They cancelled my account simply because I'd never used it. I was saving it for any emergency that came up. The reason that they used was present or past delinquency on trades, age of oldest bankcard trade, and average credit utilization on revolving/open-ended trade. If a class action suit is persued, count me in.

    0 Votes
  • Db
    dbov21 Apr 22, 2009

    I've had the same problems with late charges from them for 3-1/2 years on 3 different accounts. They simply post these payments late on purpose and claim it to be your fault. I've just quit paying them and they call consistently. They are all foreigners that call too. I think this is a scam company in some other terrorist county/ May frickin Bin Laden himself owns this place? Anyway add me to your class action suit anyone I'm on board!.
    [email protected]

    0 Votes
  • I am so unhappy with uncaring credit care!!! I just have been so mad at these ripoffs that I decided to check the internet to see if anyone had any complaints on them . Boy I sure wish I would of done this prior to hooking up with their credit crap. How do people get away with this? I had to have major dental work done and could not come up with the cash so I seen the care credit pamplet and it sounded like a wonderful way to get my dental work done. Ha Ha I have been hit with every stupid fee that these folks can think of . Every month my due date is differant, so how could anyone know when to pay it on time. So they have gotten me several times on the 39.00 charges. Then they hit me with the over the limit fee because they have charged all these extras . Thats another 39.00. Charged 15.00 for paying on the phone. The security option in case your out of work was put on my account my me. I was told that it was twenty something to get it started and two dollars a month after that. That is a major rip off also. They have been charging me 24.65 every month!!! Then my husband made a mistake in our checking account and the check to care credit bounced. well that was another 39.00 for processing whatever they process, then a late charge of 39.00, then an over limit fee 39.00 plus they made me pay a 105.00 payment just for their inconveince. By the time we took care of this it costs us 284.00. Then guess what I only got the credit of 105.oo. My husband and I are good people and own our home and do not bounce checks . I feel that this is completely out of control. If anyone needs someone to go to court to hang these folks out to dry I'm in. Paying on a dead horse seems like a waste of money. I also do not want to ruin my credit so I keep paying them. I am 7 months into this loan now and I actually just dropped 70 dollars under my loan amount. All these payments and it only adds up to 70 dollars credit. What a complete rip off!!! I am not going to pay them one red cent on any thing but the loan and I will let them know this. I don't see why we cant take them to court since their seems to be a lot of folks out there that are just as mad as we are about these rip offs!!! People listen to people in numbers. All of us cannot be wrong.We should charge them for taking our hard earned money. Envelopes, mailbox rental, gas to get the stamps etc. stamps, our time, checks etc. I can charge for everything and anything also. Since they charge for taking our money on the phone. It costs us more to send it than to take it.

    0 Votes
  • An
    Andy Jun 18, 2009

    I recently aquired an equity loan from my bank to pay off my bills. I handed the bank my care credit card aka GE Money Bank for my dental work, which was up to nearly $2, 000 in debt. Not too much later on, I'm getting all these harrassing phone calls from GE Money Bank just after they sent me a monthly bill, as if nothing had been paid and nothing even happened! I placed a phone call to them, and they stated that they had already contacted the credit bureau regarding my unpaid and over due bill. When I told them it had been paid by the bank, they were very arrogant and dismissive of this fact and said they had no record of any money. They transferred me to another manager who said that my money was misappropriated to another account. The customer service rep, then informed me that I unknowingly had a second account. How could this be? Anyhow she says she would reapply the money to the appropriate account. A week or so later, I was still getting harrassing phone calls all hours of the day, early in the morning especially, awakening my 83 year old mother from her early morning slumber, only to hear a blabbering man talking in broken english that I could barely understand! Which leads me to another complaint of, what the hell is going on in THIS COUNTY WITH ALL THIS OUTSOURCING? But that's another subject completely. Anyhow, they became very irate with me on the phone, saying that they did not accept wired money from the company that paid the bill, or however it was sent. I went to the bank, they sent them a copy of the cleared and cashed check, that showed they were paid. STILL NOTHING WAS DONE, AND THEY STILL INSISTED THEY WERE NOT PAID! This went on with phone calls for another 2 weeks!!! AT THIS POINT I'M WONDERING, WHY SHOULD I HAVE TO PUT UP WITH ALL OF THIS, BECAUSE OF THEIR NEGLIGANCE? They got arrogant with me once again stating that "this is what you need to to do sir">"you need to write a full letter to us with cleared check etc, etc. I told them I would get my bank to contact them and they got irate with me on the phone saying that "You listen to me sir", this is what you have to do. I told them "No, you listen to me! I'm the customer here, you lost my money! You find it!" When I asked when the bank proved I that they were paid, would they call the credit bureau and repair whatever damage they did to my credit, the blabbering man said, I cannot comment on that. NO BUT YOU CAN SURE AS HELL CALL MY HOUSE AT ALL THESE CRAZY HOURS, INCLUDING ON A SUNDAY HARRASSING ME AND REPORTING ME TO THE CREDIT BUREAU? Anyhow finally the bank sent them by Fax the information once again. I don't know what's going on with all of this yet, but the calls have finally stopped!

    0 Votes
  • Er
    ERT Jun 19, 2009

    Care Credit through GE Money Bank has deceptive billing practices. They purposefully drop off of the bill any promotions that have expired so that you don't have any record of them on your current bill. Even if you think you are paying your promotion off in full you may not be! Also their customer service is the very worst I have ever experienced. A very rude representative hung up the phone on me instead of referring me up the chain of command. I had to call back and ask to talk with a supervisor. I got an "escalation specialist" who also was extremely rude and unhelpful. Stay away from this company. It is not worth the aggravation and they will try to trick you out of your money.

    0 Votes
  • Ve
    Veronica Slowe Jul 09, 2009

    I was also taken in by this credit Company, I signed as co-signer on my Daughter's loan. They never notified me that the card was in arrears, I first became aware of the problem when I was notified my one of my credit card holders of a delinquency appearing on my credit report. I paniced, the only thing I could think of was identity theft. After much digging I was able to get the name GEMB. This did not mean anything to me as I had never dealt with anyone by that name. Turns out that it was the acccount that belonged to my Daughter, that I had co-signed. Instead of them contacting me they chose to attack my credit status. Not only did they report a wrong address for me, but that this was a joint account. Wrong, I was the co-signer only. I am writing in hopes that I can save someone else from the misery I have suffered at the hand of this co called credit card company. I was lucky enough to have had a happy ending, My bank financed a loan for me and I was able to get these people out of my life.

    I will not stop here, I am going to report them to the Better Business Bureau, for the way I have been treated, and also the State Attorney's office. If anyone out there knows of anyone else I can contact, please let me know, I would like to give these people back some of the aggravation that they have given me.

    Thanks for listening...


    Ronnie

    0 Votes
  • Sh
    Shea Jul 21, 2009

    I need the number for GE executive office.
    Thank You

    0 Votes
  • Sd
    sdhillon Jul 22, 2009
    This comment was posted by
    a verified customer
    Verified customer

    I get into care credit in july 08 through my laser surgery on my eyes in the amount of $3333.40. I paid the entire amount by June 16th 09 except for the amount of $139.88 for which I sent a cheque on Jue 19th because my expiry date was July 1st. Well i guess thats how they trapped me. My payment was never credited to my account as there finance supervisor "Jenny" said they never received it and told me I was liar as I could have wrote down chq now and I telling them that i sent it before the expiry date. They were so rude and in human, disconnected my phone 8 times and then kept me on hold forever and finally said the hang up on me because they will not reverse any charges at all. So I had to pay $700 in interest for the balance of $139.88 for17days. I did called back and spoke to different supervisor Judy which seemed like already ahd a discussion with Jenny the previous supervisor and said to me that I should be happy that interest charges are only $700 because i paid it so fast otherwise they would have charged me lot more in interest. Finance supervisor Jenny said i am liar and how can i prove that i sent a cheque when on the other side they misplaced my payment and may be intentionally not processed on to my account so that they can charge me interest and cannot prove tha tthey ahve never received it on time for only $139.88 I am financial advisor myself and only reason i get into it was due to deffered interest for a year but these crooks trapped me by not crediting my last payment on time. I would never recommend anybody to do business with them as they have no ethics and will manipulate very well based on there requirements.

    0 Votes
  • Ki
    kitlinski0u812 Aug 16, 2009

    I agree. They are a bunch of scammers. I was having my payments taken out automatically to avoid late fees, ect. They stopped taking the money out and I noticed about one and a half months later that they had stopped. When i contacted them they said i only authorized 6 months of payments, but I could have swore they told me I would be done paying them off about 2 months after they stopped taking my money out. They ended up charging me about $250 in late fees and intrest on about 300 principal. I called them back the next month(1.5hrs on hold) and they offered me a settlement of $310. I asked if this would "completely pay my debt off and stop future billing" and the reply was YES. I checked the mail yesterday and wouldn't you know there is a bill for $240 from care credit. It is sunday and I was researching and trying to figure out what to do or say when I call them tomorrow. If anyone else has gone through this please let me know how you had this resolved. Thank you in advance.
    Kyle K

    0 Votes
  • Am
    Amylee Aug 17, 2009

    I have a home project loan with GE Money Bank. My husband and I went through a local company to get some new windows in our house. All their financing is through GE. We figure a $10, 000, no problem have it paid off in a few years. Everything was going fine; paid early & paid over the amount each and every time. But suddenly in march of this year nothing started going toward the principal even though I was paying $50 to $150 over each month. So after a few months of this I started adding up the numbers. Every month from March there is at least $50 unaccounted for. So I spent 2 weeks calling them trying to figure where this money was going too. After being hung up, transferred to disconnected numbers, etc…. I finally got a hold of a woman who went over each set of numbers with me. She too sees what I see… She goes to get her supervisor.. I hear them talking… I am hung up on. It sound like someone slammed down the phone. I tried to get her on the line again.. I am told that they can’t transfer so I asked to speak with the supervisor.. she was NO help and a total B***h. I am never rude to a telephone customer service person I know they are just don’t their job.. This woman (and I use the term loosely) was horrible she was rude, condescending, and she swore at ME.. And I was actually pissed beyond the normal, but still trying to being nice.. It took me another 2 to get a account history report from them. Well I decide to wait it out a few more weeks to see what happens. My bill was $86 and I paid $500 and only $340 when to my account. Even if I look at it like this $86 interest and what have you… that’s only $426 where the other $74 dollars… I have had enough. I am looking for any help with a class action.. if there is one out there I want in.

    0 Votes
  • Re
    Reisinger Oct 28, 2009

    Wow, all these complaints actually make me feel better. I thought I was alone in my feelings toward this company. I could underscore just about all of these complaints, from the rude service people to the unasked for stopping of mailing out paper statements. My payments of $100 per month (which I was advised that if I keep on making on time would result in no finance charges) were always on time...yet somehow, I was advised of late charges that I was never aware of. Yesterday, I picked up what I assumed was going to be my last statement and payment of $100.00, plus some change, not due until the 14th of the month. Imagine my outrage when suddenly a finance charge of close to $400.00 was added to my account. The explanation? Well, there were some late fees, of course, and I had JUST missed my cut-off date by a couple of days to pay off my balance in full..even tho payment is not due until the 14th of the month. So, because I did not pay off the balance in full BEFORE the 14th of the month ($122.20), I was subject to an unexpected and outrageous $400.00 finance charge, days before my balance was to have been paid off.

    I have experienced nothing but rude explanations, double talk, and lies from this company. What can be done about a company like this? I would love to know.

    0 Votes
  • Na
    Nanchavez Nov 17, 2009

    I feel so cheated. I want these people out of my life. Everytime I make a monthly payment, my total balance goes up. How can I get out of this

    0 Votes
  • Cb
    CBanzon Nov 18, 2009

    I have ge care credit recommended by my dentist. got a call yesterday and was told to check on their website, instead i found this site. Now i am scared that i too might be told that they are not receiving my payments which i usually mail. Any advise on how i could prevent any problems with them. Carolyn B

    0 Votes
  • Da
    Damm Madd Dec 02, 2009

    These guys are nothing less than the ### which is running rampant throughout all the industry. It is so frustrating and it makes me furious that this can nbe allowed and allowed by powerful banks that have incredible clout with our elected officials. When are the A-Holes that are supposed to be protecing consumers from this crap going to get these crooks bent over in the same manner consumers are all now bent. Thier are so many reasons for the current finacial crisis in this country Greed is the most prevalent. Until congress finally has the balls to put real restrictions on these money grubbing ### it will never ever end.

    0 Votes
  • Ke
    kellie0626 Dec 03, 2009

    Applicants beware! Do not get a credit card through these people. I have had nothing but issues with this card. I have the Care Credit card (ge money card) and I have had several problems: First, they gave me a 2 year period to pay off the total with 0% interest. I received a statement in the mail and FOUR months after the eye surgery the statement said that the interest would be kicking in that next month! I called and they did fix it BUT if this happens you need to call and say something, otherwise they will charge you. Second, I was late on ONE payment so I paid it over the phone so that it would go through asap. I made a double payment at that time to make up for it and I would not be behind. The payment was declined for NO reason. I had more than enough money in the bank and I had used the same bank for several other payments previously to pay my bill. It had NO reason to be declined and they charged me a late fee...FOR NO REASON! And the last reason I have to convince you not to get this card, or any ge money card for that matter, is they do not have technical support for their website. When I was making a payment via internet, it would not give me a confirmation number, therefore not getting paid either! I called to tell them that my payment was not going through and they told me there is nothing wrong with it and that I was pretty much just a dumb ###, even though I had done this before and new what I was doing. They had no answers for me to correct the issue and told me that I could make a payment over the phone for a fee of $15! What a crock of crap!

    So for those of you that have this problem, try entering a higher payment than your amount due and pay it on a date before your due date. For some reason the payment finally went through.

    However, they did not tell me to do that, it was trial and error on my part and I luckily found the glitch. The glitch being, they want you to pay the $15 fee to pay over the phone, or they want you to pay an amount higher than what is due and before it's due date. Hope this helps anyone who has this issue.

    0 Votes
  • Si
    silvia alfaro Dec 10, 2009

    hi my name is silvia, i used care credit to finance a surgery that almost took my life. dr. brian west destroyed many lives i had a plastic surgery it came out wrong and had a second surgery 3 monthes later. i payed thousands of dollars worth of meds. and without work for all that time. i lost my house and all my savings this dr. disfigured so many people and i was one of them at least i am still alive, cause of this dr. some people lost thier lives. care credit checked my credit to be able to finance my surgery but didn't check droctor backround he was an alcohlic and doing surgeries under the influence. he had this problem since 2002 and i had my surgery in 2007 care credit come and finance surgeries which this murders do. now dr. west had his license revoked but all of us are stuck with bad credit they didnt even wanted to listen to me when they were going to send me to collections. all i asked was to let me pay in payment my balance after i got back on feet, they wanted all 7500.00 in one payment what made them think that i had that much money laying around in the first place if i did i wouldn't used them at all.

    0 Votes

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